Make Money Online with Instant Credit Cards

Shaun Carter of Holland, Michigan is just twenty years old, but he’s well on his way to becoming a dot com mogul. A critical step in his journey was ordering up a ReviewMe review for his credit card comparison website. What does this have to do with making money online? Well, InstantCredit.cc is actually a lot more clever than you think.

Noble Intentions?

When John received the ReviewMe request and forwarded it my way, it almost sounded like a noble-minded website designed to help you choose the best credit card for you, weighing the different pros and cons associated with each card. Some people value low interest rates, while others may want the biggest spending limit they can possibly get their hands on. If you’re looking for sound credit card advice though, this is not the website for you.

When you apply for the Starbucks Duetto Platinum Visa Card through InstantCredit.cc, Shaun Carter gets a nice commission cheque in the mail for the referral. The ironic thing is that at age 20, Carter is barely old enough to get a credit card himself (depending where you are), let alone make money off of getting you to apply for one. But I’m not saying that you shouldn’t apply for a credit card through this guy.

When you click on a “Apply Now” button, you get redirected to the credit card’s official website anyways, so it’s no more or less secure to apply this way than through Chase, Starbucks, or American Express directly.

Building Buzz

In addition to ordering a ReviewMe from John, Carter went out and partook in some rather creative advertising.

Do you remember the Million Dollar Homepage? Well, someone took the same idea and created SmashMyViper.com, wherein you buy advertising space 100 pixels at a time (10×10 square). For buying a single 100 pixel block, you earn the right to key the supercar. For buying four spots, you get to drill a hole. Damage increases from there.

How InstantCredit.cc comes into the picture is that Shaun ordered a fairly large block on the SmashMyViper site that simply says “click me”. It’s bright, green, and right in the middle. Because of his efforts, Shaun’s credit card site was even mentioned in a recent Washington Times article. That’s pretty good value, especially since that article refers to his site as a credit card comparison service, rather than a money-making machine.

Even More Monetizing

While John has taken the route of promoting the credit card with the biggest referral bonus ($200 per approved Amex Blue for Business), Shaun gives priority to the cards that most people would actually be eligible for. They may not give out the biggest commissions, but he’s clearly going for volume here. Student cards, for example, are really easy to get.

InstantCredit.cc may look like a MFA (Made for Affiliates, not Made for Adsense) site, but it’s actually more than that. When you scroll down a little further, you’ll notice that it is also running a YPN skyscraper on the sidebar. There’s also a banner at the bottom. This way, he monetizes the traffic as well as the actual click-throughs on those credit card applications.

Running a Nation into Debt

We are not only a nation of debt (regardless of whether the “we” refers to Canada or the United States), we are a world of debt. People are taking out mortgages that they can’t afford and far too many people carry credit card balances for no real good reason, racking up that interest like there’s no tomorrow. We’re consumers, not savers, and a site like InstantCredit.cc just eases the process. The flashing “Apply Now!” buttons catch your attention, as do the 0% balance transfers and high reward points. What the site lacks is a sense of legitimacy, because it just looks like one big advertisement (which it is).

Will this lack of legitimacy (the contact email is a Gmail account) hurt his business? It’s hard to say, but you have to admit that InstantCredit.cc is a pretty clever design.

Yeah, and being featured in Autoweek Magazine and on the TopGear website as well does one pretty good. I think SMV is a winner. And with the success of the site he might very well forget about opening a bar. 😀

I think it may be better to put those links present in the footer somewhere in the main content area (sidebar?). The homepage is quite long and also people generally tend to ignore links present in the footer.
If you got featured by Washington Times you should try and show it off a bit more prominently, as it would probably boost your credibility and help in making an impression.

kuminko, its gotten to the point where every other post is a review me, i would like to visit a blog that has 100% content not 50%. john chow needs to do what shoemoney does, deny 75% of requests. that will increase value of his blog which will allow him to increase your review price, which will mean that the only review you do in the future are quality reviews.
call me genius.

Yeah, well… he may be gaining new visitors but losing old ones. I’ve come very close to removing his feed from my bloglines account more than once. The restaurant reviews are by far my LEAST favorite, especially when I have to scroll down past 5 pages of close ups of plates of food to get to the next post… which is usually a ReviewMe post.

I seriously disagree with this. I think the restaurant reviews are a personal touch to give John’s readers a little information on his personal blog. I think a blog’s readership should consider the blogger as a real person, instead of some fictional information whore.

the restaurant reviews are an interesting touch but there are too many of them. its almost like john is running out of content to write about.
kuminko first of all he only gets 50% of the review me price. thats only $150. if he were smart he would raise it to 500 so that only people that knew there site would do well would buy one. this would decrease the amount of reviews but not enough that john would lose money.

He has worked hard to make the blog popular. He deserves to make money from the review me reviews. Ultimatly this blog is here to make money so untill he actually stats losing readers faster than he is gaining them there is no reason for him to stop.

Also, I would not say he has gone for quantity over quality, there are the same number of quality posts, but IN ADDITION there are lots of revieme reviews.

I wondered this as well. I think he is just trying to do as much as he possibly can to make money, no matter what it takes. Presumably he isn’t too concerned with appealing to tech-savvy viewers, given the somewhat misleading premise of the site.

The reason why you do not want to mix afilliate links with CPC links (Adsense/YPN) is that you don’t want the visitors to leave via a $0.10 CPC link to someone elses MFA site, you want them to leave via an afilliate link on your site!

This just proves that a clever idea can go far online. While he is probably not getting rich on the deal, he is probably raking in some significant cash providing people with Affiliate links they actually want.

It doesn’t really prove anything… We have no idea how much he’s earning so there’s no evidence to draw conclusions from. While he might be turning over some money, he could just as easily be tanking hard. We just don’t know.

Maybe it’s just me, but reviewing sites for pay seems to cheapen a good blog. How do your readers know when to believe you or assume you’re just saying nice things about a site or product because someone paid you.

This site is starting to give me the same feeling I get when I see actors hocking products they claim they use and we all know they don’t.

I agree 100%. On lots of other sites I skip the sponsored posts, but not on JohnChow.com… although I read them in more depth if he actualy wrote them… and if they are more closly related to making money online that about creditcards…

John has talked plenty about stuff he get’s commission for selling, like Kontera, SEO Book, etc. in ‘normal’ blog posts that you likely enjoyed.

The thing is that this blog is all about how to make money online, and that what you will learn, whether it be from surface articles on how to do this or that, or from observing his reviewme thing, or even from his food reviews…

I believe it all relates to his money making plans…

John is from Vancouver and he likely gets traffic from Vancouver related stuff sometimes.

He’s reviewed some of the best restaurants in town, WITH great pictures…I’m sure that’s got to pique some interest when people stumble on him that way.

The thing is, you might notice the big actors promoting the certain products you think they don’t use, but might not think twice when Jack Bauer (from the TV show 24) drives down the street in a Ford truck.

It is literally everywhere, so choose wisely and learn from what you see!

I feel John tells it as it is — so do all his guest bloggers. Otherwise, I don’t think John would let them hang around much. With InstantCredit, for example; if the talented Mr Kwan had not reviewed it, I wouldn’t even know it existed.

I see that some of you are complaining about some of these ReviewMe. Take it from a business perspective and generate ideas of your own. Like this one is more of a story how one John’s readers (I’ve seen Shaun post comments here before) came up with this concept, marketed it, and is more than likely making a good amount of money from it. If anything it should be inspirational. Some of you need to stop looking at things from a negative standpoint, and turn into something positive.

As John has stated before, this blog is his misc. ramblings…if something is not of interest to you, skip it and move on to something that does. While you may not find it interesting, others do.

That’s not that great of an idea. I’m pretty sure a bunch of successive diggs is what catapulted John’s blog into the A-List. He made 8500 last month off of the blog and I bet this month will be $10 000.

He could not have got the same value selling the blog right after the digg, not to mention his blog is next to worthless without him. 🙂

Exactly. I think part of the issue is that people see how much John is making from this blog, and they convince themselves that if they leave they are taking money out of John’s pocket. Then, they can’t get themselves to do it because “If he’s doing so well, he must know something”.

I agree with what some of the above posters said. This blog is becoming quite boring in the way there is simply too much crappy advertisement.

Check out the sidebar..Why is there an ad regarding penis enhancement? And please, stop with the massive amounts of paid reviews. 99% of the visitors here won’t use your hidden affiliate links or use the products you are discussing. Even though you might get good reviews, they come from 0.01% visitors that actually use them.

Although very few people will actually stop visiting the blog, it appears the only way for you to do something, is when the blog earnings start declining. I finally got my adblock, so goodbye ads!

Secondly, I hope in the following two weeks won’t be filled with guest bloggers, because that only works once in a while. Problogger has being doing this from quite some time, and the articles (in my oppinion!) are quite crappy…

I think he needs to spend a few hundred dollars and have the site redesigned with some better graphics and such. That will make it seem like less of a MFA site. It will also make it more attractive and memorable.

“Shaun Carter of Holland, Michigan is just twenty years old, but he’s well on his way to becoming a dot com mogul. A critical step in his journey was ordering up a ReviewMe review for his credit card comparison website.”

i think the stuff the two kids on decoyegheist.com are doing is far more interesting than what the Kid does here.
If i understood it right they both are running a bet, if one of them can get a PS3 sponsored only by Internet ads, the time set is 2 and a half months now…
I just read about it 2 days ago and i think this could be very interestig…

Can we say the same thing about Darren Rowse of Problogger? He has a Guest Author system on too, but i don’t how his blog works. But it sucks though that some one else writes for Darren at this moment. 😈

I’m sorry to rain on someones thunder, but this site is very marginal. You can find much better lists on the Fatwallet.com finance forums and then you can get cash back through cardoffers.com for signing up for the cards. Generally about $20-$50 per card in cash back for signing up through Cardoffers.

I’m not sure why Shaun would get a ReviewMe from JohnChow.com – isn’t everyone here a possible direct competitor? (and certainly we aren’t about to go & get a credit card from the site after reading the review).

I would have thought Shaun would be wanting to spend the $300 on getting traffic which is most likely to convert (ie Adwords etc).

"How I Went From Zero to Over $100,000 a Month"

The Original Dot Com Mogul

John Chow, a damn fine person, friend of the community, Ultimate Fighting Championship contestant, member of the Save the Whales Foundation, the man who controls the black market on baby seal pelts and member of the probably yo’ daddy foundation...

John Chow rocketed onto the blogging scene when he showed the income power of blogging by taking his blog from making zero to over $40,000 per month in just two years.